Lokta Core - Loan Management System

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Lokta Core is a Loan Management System engineered for the agentic era of lending. It manages the full servicing lifecycle — disbursement, EMI scheduling, restructuring, moratorium, asset classification (Standard → Sub-Standard → Doubtful → Loss), and write-offs — on a polylithic Spring Boot architecture with header-versioned OpenAPI 3.1 surfaces. Built for NBFCs, banks, and fintech lenders, the platform delivers schema-per-tenant isolation, enterprise IAM with RBAC and maker-checker workflows, cross-module structured audit, and field-level PII encryption with key versioning. A configurable loan product engine assembles new offerings in days from primitives (currency, frequency, interest method, charges, arrears). Agentic surfaces — servicing copilot, collections agent, borrower agent, portfolio agent — run natively on the same governed rails.